Title & Real Estate Insurance

Giving real estate investors certainty and security to move faster.

Why Title & Real Estate Insurance?

Title insurance policies provide protection for a wide range of issues that could affect legal ownership of real estate or shares.

These risks can be known or unknown – from missing paperwork to historic rights of way. By transferring title risks over to an insurer, you can close a deal with more certainty.

There are two forms of title insurance

1. Title to shares or "good title" policies

Covers unknown title risks related to the seller’s ownership and capacity to sell shares and real estate, as well as missing or faulty share certificates.

2. Title to property or "legal indemnity" policies

Covers known title risks identified in due diligence, including:

boundary issues
breaches of restrictive covenants
chancel repair liability
rights to light
missing searches.

“Having used the Miller team to broker a number of very difficult insurance solutions on key transactions, we have been impressed by their responsiveness, service and process which has freed my team up to focus on our primary legal service role for our clients.”
Herbert Smith
The team’s strong knowledge of how insurance solutions fit into the M&A process is second to none.
Kirkland & Ellis

How a policy works

Policyholder	Anyone with an interest in the underlying real estate: proprietors buyers tenants lenders financial institutions successors in title.
Policy period	Cover continues for the full duration of ownership. We can also usually assign the policy to future buyers or successors in the title.
What you’re typically covered for	Payments made to third parties to settle claims. Decrease in value of the property or shares. Legal fees and costs. Demolition costs. Loss of rental income.
How pricing works	What you pay One-off upfront premium. How it’s calculated As a percentage of the policy limit. Typical rates look like this: Title to property policies: 0.07%-0.22% Title to shares policies: 0.1-0.2% Buyers often like to insure up to the full enterprise value of the property. Factors that affect pricing Location of the assets Nature of the risk

Why Miller?

Your transactions are complex, time-sensitive and highly demanding. That’s why we choose a partner-led approach where our senior people give you constant support.

And, as a team, we hustle harder than any other M&A broker in the industry.

Find Out More

Meet The Team

Andrew Johnson

Executive Director - Joint Head of Mergers & Acquisitions and Strategic Solutions (MASS) +44 (0) 20 4614 0030 [email protected] Read more

Edwina Charlton

Executive Director - Joint Head of Mergers & Acquisitions and Strategic Solutions (MASS) +44 (0) 20 4614 0027 [email protected] Read more

Rupert Newman

Director – Head of Broking, Mergers & Acquisitions and Strategic Solutions (MASS) +44 (0) 20 7031 2147 [email protected] Read more

Priyan Shah

Director - Mergers & Acquisitions and Strategic Solutions +44 (0) 20 4614 0133 [email protected] Read more

Jake Tobin

Chief Commercial Officer +44 (0) 20 4614 0032 [email protected] Read more

Ceri Davies

Director - Client & Market Coverage +44 (0) 20 4614 0075 [email protected] Read more

Rikesh Somaya

Associate Director – Professional and Financial Risks +44 (0) 20 7031 2919 [email protected] Read more

William Seccombe

Executive Director - Head of Professional & Financial Risks Asia +65 6349 5725 [email protected] Read more

Contact Us

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